Americans are addicted to the stock market – the most overused investing tool on the planet is the mutual fund. LONG after we have too much money to need Mutual Funds (around 25k-50k), we continue to use them because some fee-hungry retail mutual fund salesman gets paid to keep us in them. If the stock […]


Episode 093: More Risk, More Reward Exposed as a Lie You know…there was a time when most people thought the earth was flat. MOST people thought the same thing and it turned out that they were all wrong. Have you heard that you have to take more risk to get more reward? It’s the “No […]


Following our blog post from two weeks ago, we’ve discovered that there are other options than investing in the stock market, namely, indexed annuities.  The ability to lose money is a choice you make; not a necessary evil.   We also talked about when investing in indexed annuities, you will never lose the money you […]


The Wall Street Journal recently published an article Losing money is an option you choose; not a necessary evil. Many of my clients have NO money in the market and using a Market-Less Portfolio have been averaging 5-7%, sometimes tax-free. This is a great article to show the world is not coming to an end! […]